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    1095 White Oak Rd Stewart, TN 37175

    View on Map
    Sponsored
    For Sale
    $449,000

    Residential Multi Family,Resort/Vacation,Commercial,Acreage - STEWART, TN

    Property size:
    2,024 SF
    Lot size:
    7.48 Acres
    Days on Market:
    3
    Last Refresh:
    Mar 15 at 2:06 am

    Property Features for 1095 White Oak Rd

    General Information

    Property type
    Land
    Property subtype
    Other
    Standard status
    Active
    Zoning
    NONE
    APN
    015.00
    Size
    2,024 SF
    Lot size
    7.48 Acres

    Utilities

    Heating system
    Electric (Heating), Other (Heating), See Remarks (Heating)
    Cooling system
    Central Air

    Building Details

    Architectural style
    Other

    We can help!

    Listing Contact
    Teresa Howell
    Teresa Howell

    Spotlight Properties, LLC. (931) 232-7222

    Listing agent Teresa Howell (931) 232-7222

    Listing date Mar 13, 2026

    MLS# 136438 Listing URL

    Copyright © 2026 Tennessee Valley Association of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

    Learn more

    Property Insight Report

    Overview

    Versatile Property Near Kentucky Lake

    This unique 7.48-acre property, located minutes from Kentucky Lake, marina, launching areas, and the county airport, offers a diverse range of features without restrictions or zoning. The front of the property includes a 2,024 square foot commercial building, upgraded in 2004, featuring two public bathrooms and located in an area suitable for a liquor and beer license, with potential for a bar and grill. The property is currently divided into commercial and residential sections. Additionally, there are two 2-bedroom, 1-bathroom mobile homes with a storage building, both currently tenant-occupied. A clear and level 1.4-acre lot is also included. The property also features a rustic cabin with an open great room, one bedroom, one bathroom, a covered porch, and a screened patio. A large detached covered pavilion, a covered camper shelter with 50 AMP service, water and septic hookup, a large 3-bay storage garage/shed with a fish cleaning station, and a 2-stall barn with a fenced area are also present. This property presents an opportunity for family use, commercial ventures, or a campground with a front store.
    Property Profile Insight Report Location Intelligence

    Current Use by Public Records

    Bars & Pubs

    Suggested Use

    Restaurant Department Store Bar & Pub Restaurant

    Zoning and permitted uses should be independently verified with local authorities.

    Location Insight

    • Map
    • Local Demand
    City
    Stewart
    County
    Houston
    State
    Tennessee
    Longitude
    -87.91731
    Latitude
    36.305344

    FAQs

    What type of property is this?
    Mixed-use property - 7.48 acres with commercial building, mobile homes, cabin.
    Where is this mixed-use property located?
    The property is located at 1095 White Oak Rd Stewart, TN.
    What is the asking price?
    The asking price for this property is $449,000.
    What are key features of this property?
    This property features: - 7.48 acres with no restrictions or zoning, offering diverse usage possibilities.; - Includes a 2004 commercial building (2024SF) with recent upgrades and 2 bathrooms, potential for liquor/beer license.; - Proximity to KY Lake, marina, and launching facilities.
    (931) 627-0257
    Request Owner's contact information
    1095 White Oak Rd Stewart, TN 37175
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    Stewart, TN 37175
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    Realmo Value Estimations

    Realmo estimates a property’s market value using a proprietary methodology that incorporates public data and user-submitted information. This cumulative value is generated by integrating a variety of conventional and innovative methods. 

    Disclaimer

    These figures are not official appraisals and should not be used as a substitute for a valuation performed by a licensed appraiser.
    Actual market value may differ due to factors not captured in the data. Estimates are offered for informational purposes only, and users should conduct independent research before making financial or investment decisions.
    By using this feature, you acknowledge that Realmo is not responsible for actions taken based on these estimates.

    AI approach

    Realmo AI Method estimates property value using machine learning models trained on millions of comparable listings, transactions, and market signals. It analyzes property features, location intelligence data, and current market dynamics to predict the most probable market value in real time.

    Realmo CapRate Calculation

    Realmo calculates the Capitalization Rate (Cap Rate) to help estimate a property's potential return on investment. The Cap Rate is a fundamental metric in commercial real estate that measures the relationship between a property's net operating income and its market value.

    How We Calculate Cap Rate

    Cap Rate Formula:
    Cap Rate (%) = (Net Operating Income / Property Value) × 100

    Net Operating Income (NOI) Formula:
    NOI = Area × Lease Rate × (1 - Vacancy Rate) × (1 - Operating Expense Ratio)

    Components

    Net Operating Income (NOI) represents the annual income a property generates after operating expenses:

    • Area: Building square footage from property records
    • Lease Rate: Annual $/sqft based on market data for the property type and geographic location
    • Vacancy Rate: Percentage of unoccupied space based on market data for the property type and location
    • Operating Expense Ratio: Operating costs as a percentage of income, varies by property type

    Property Value is derived from:

    • Recent sale price (if available)
    • Statistical models using comparable sales
    • AI-powered valuation estimates

    Example Calculation

    For a 100,000 sqft Office Building:

    • Lease Rate: $25.00/sqft/year (market data for Office in this area)
    • Vacancy Rate: 8% (market data for Office in this area)
    • Operating Expense Ratio: 35% (typical for Office properties)
    • Property Value: $15,000,000

    Step 1: Calculate NOI

    NOI = 100,000 × $25.00 × (1 - 0.08) × (1 - 0.35)
    NOI = 100,000 × $25.00 × 0.92 × 0.65
    NOI = $1,495,000/year

    Step 2: Calculate Cap Rate

    Cap Rate = ($1,495,000 / $15,000,000) × 100
    Cap Rate = 9.97%

    Property Type Considerations

    Net Operating Income calculations vary by property type due to different operating expense ratios:

    • Office: Higher expenses (30-40%) for HVAC, utilities, maintenance
    • Retail: Moderate expenses (25-35%) for common area maintenance
    • Industrial/Warehouse: Lower expenses (15-25%) for minimal tenant services
    • Multifamily: Moderate expenses (35-45%) including property management
    • Self-Storage: Lower expenses (25-35%) due to minimal maintenance

    Market lease rates and vacancy rates are specific to each property type and geographic location, reflecting local market conditions.

    Disclaimer

    These calculations are estimates for informational purposes only and should not be used as a substitute for professional financial analysis or appraisal.

    • Cap Rate calculations depend on market data that may change over time
    • Actual operating expenses, lease rates, and vacancy rates may differ from market averages
    • Individual property conditions, lease terms, and tenant quality significantly impact actual NOI
    • Property value estimates are approximations and not official appraisals
    • Cap rates vary widely by market, property condition, and investment risk profile

    Professional Guidance Recommended: Before making any investment or financial decisions, consult with licensed appraisers, commercial real estate brokers, and financial advisors who can evaluate your specific property and circumstances.
    By using this feature, you acknowledge that Realmo is not responsible for investment decisions or actions taken based on these estimates.

    Cap approach

    Capitalization Method calculates value based on estimated net operating income (NOI) and applying a market-based capitalization rate (cap rate), we estimate what a typical investor might be willing to pay for it.

    Comparable approach

    Comparable estimate is based on recent sales of similar nearby properties, adjusted for factors like size, condition, and location.

    Relative

    Relative property class coefficient uses factors that account for typical price differences between various asset types (e.g., retail vs. industrial) to provide a more accurate market-aligned estimate.

    Geo

    Comparable Sales Method, enhanced by Geo coefficients — location-based adjustment factors that reflect differences in price levels across neighborhoods, cities, or regions ensuring a more accurate, market-sensitive valuation.

    Stat Estimate

    This method estimates value based on actual market adjusted recent (~5 years) sales of comparable properties around by location and property type.

    • Ranges - area data calculated by industry standard IQR Outlier Removal Method
    • Range-from: 75% of all similar sales ($/sqft) are above this value
    • Range-to: 75% of all similar sales ($/sqft) are below this value
    AI Estimate

    This method estimates value based on AI market estimation of comparable properties around by location and property type.

    • Ranges - area data calculated by industry standard IQR Outlier Removal Method
    • Range-from: 75% of all estimations ($/sqft) are above this value
    • Range-to: 75% of all estimations ($/sqft) are below this value
    Alternative use

    Estimate considers the property’s potential value if used for a different purpose-based on zoning, demand, and market feasibility.

    More about this property
    1095 White Oak Rd Stewart, TN 37175
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    We can help!
    Listing Contact
    Teresa Howell
    Teresa Howell
    Real Estate License ID: 251132
    (931) 627-0257 (931) 232-7222
    Learn more
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